2019 FHA Loan Limits in Wisconsin
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Written By
Updated on Friday, April 5, 2019
Buying a house in Wisconsin doesn’t just mean settling down in the heart of America’s Dairyland. The Wisconsin housing market has boomed in the past decade, with the volume of sales nearly doubling from 2008 to 2018 and Wisconsin REALTORS® Association data showing a steady increase in median housing prices.
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But don’t be scared off by rising prices! There are dozens of programs out there designed to make homebuying more affordable. Among them are loans backed by the Federal Housing Administration (FHA). In 2018 alone, 1.09% of all the FHA loans used by Americans to buy a house originated in Wisconsin, according to the U.S. Department of Housing and Urban Development (HUD).
And this year, eligible Wisconsin residents have even more money at their fingertips, as FHA loan limits have been raised across the state. In 2019, eligible buyers may be able to borrow anywhere from $314,827 to $368,000 to buy a single-family home, depending on where in the state their dream home is located.
Wisconsin FHA loan limits by county
| County Name | One-Family | Two-Family | Three-Family | Four-Family | Median Sale Price |
|---|---|---|---|---|---|
| ADAMS | $314,827 | $403,125 | $487,250 | $605,525 | $67,000 |
| ASHLAND | $314,827 | $403,125 | $487,250 | $605,525 | $70,000 |
| BARRON | $314,827 | $403,125 | $487,250 | $605,525 | $120,000 |
| BAYFIELD | $314,827 | $403,125 | $487,250 | $605,525 | $106,000 |
| BROWN | $314,827 | $403,125 | $487,250 | $605,525 | $161,000 |
| BUFFALO | $314,827 | $403,125 | $487,250 | $605,525 | $105,000 |
| BURNETT | $314,827 | $403,125 | $487,250 | $605,525 | $116,000 |
| CALUMET | $314,827 | $403,125 | $487,250 | $605,525 | $170,000 |
| CHIPPEWA | $314,827 | $403,125 | $487,250 | $605,525 | $163,000 |
| CLARK | $314,827 | $403,125 | $487,250 | $605,525 | $81,000 |
| COLUMBIA | $316,250 | $404,850 | $489,350 | $608,150 | $275,000 |
| CRAWFORD | $314,827 | $403,125 | $487,250 | $605,525 | $93,000 |
| DANE | $316,250 | $404,850 | $489,350 | $608,150 | $275,000 |
| DODGE | $314,827 | $403,125 | $487,250 | $605,525 | $135,000 |
| DOOR | $314,827 | $403,125 | $487,250 | $605,525 | $139,000 |
| DOUGLAS | $314,827 | $403,125 | $487,250 | $605,525 | $152,000 |
| DUNN | $314,827 | $403,125 | $487,250 | $605,525 | $142,000 |
| EAU CLAIRE | $314,827 | $403,125 | $487,250 | $605,525 | $163,000 |
| FLORENCE | $314,827 | $403,125 | $487,250 | $605,525 | $100,000 |
| FOND DU LAC | $314,827 | $403,125 | $487,250 | $605,525 | $128,000 |
| FOREST | $314,827 | $403,125 | $487,250 | $605,525 | $55,000 |
| GRANT | $314,827 | $403,125 | $487,250 | $605,525 | $100,000 |
| GREEN | $316,250 | $404,850 | $489,350 | $608,150 | $275,000 |
| GREEN LAKE | $314,827 | $403,125 | $487,250 | $605,525 | $116,000 |
| IOWA | $316,250 | $404,850 | $489,350 | $608,150 | $275,000 |
| IRON | $314,827 | $403,125 | $487,250 | $605,525 | $61,000 |
| JACKSON | $314,827 | $403,125 | $487,250 | $605,525 | $92,000 |
| JEFFERSON | $314,827 | $403,125 | $487,250 | $605,525 | $180,000 |
| JUNEAU | $314,827 | $403,125 | $487,250 | $605,525 | $65,000 |
| KENOSHA | $368,000 | $471,100 | $569,450 | $707,700 | $320,000 |
| KEWAUNEE | $314,827 | $403,125 | $487,250 | $605,525 | $161,000 |
| LA CROSSE | $314,827 | $403,125 | $487,250 | $605,525 | $165,000 |
| LAFAYETTE | $314,827 | $403,125 | $487,250 | $605,525 | $108,000 |
| LANGLADE | $314,827 | $403,125 | $487,250 | $605,525 | $72,000 |
| LINCOLN | $314,827 | $403,125 | $487,250 | $605,525 | $94,000 |
| MANITOWOC | $314,827 | $403,125 | $487,250 | $605,525 | $98,000 |
| MARATHON | $314,827 | $403,125 | $487,250 | $605,525 | $137,000 |
| MARINETTE | $314,827 | $403,125 | $487,250 | $605,525 | $106,000 |
| MARQUETTE | $314,827 | $403,125 | $487,250 | $605,525 | $92,000 |
| MENOMINEE | $314,827 | $403,125 | $487,250 | $605,525 | $123,000 |
| MILWAUKEE | $327,750 | $419,550 | $507,150 | $630,300 | $285,000 |
| MONROE | $314,827 | $403,125 | $487,250 | $605,525 | $125,000 |
| OCONTO | $314,827 | $403,125 | $487,250 | $605,525 | $161,000 |
| ONEIDA | $314,827 | $403,125 | $487,250 | $605,525 | $130,000 |
| OUTAGAMIE | $314,827 | $403,125 | $487,250 | $605,525 | $170,000 |
| OZAUKEE | $327,750 | $419,550 | $507,150 | $630,300 | $285,000 |
| PEPIN | $314,827 | $403,125 | $487,250 | $605,525 | $87,000 |
| PIERCE | $366,850 | $469,600 | $567,650 | $705,500 | $319,000 |
| POLK | $314,827 | $403,125 | $487,250 | $605,525 | $117,000 |
| PORTAGE | $314,827 | $403,125 | $487,250 | $605,525 | $147,000 |
| PRICE | $314,827 | $403,125 | $487,250 | $605,525 | $60,000 |
| RACINE | $314,827 | $403,125 | $487,250 | $605,525 | $159,000 |
| RICHLAND | $314,827 | $403,125 | $487,250 | $605,525 | $94,000 |
| ROCK | $314,827 | $403,125 | $487,250 | $605,525 | $128,000 |
| RUSK | $314,827 | $403,125 | $487,250 | $605,525 | $73,000 |
| SAUK | $314,827 | $403,125 | $487,250 | $605,525 | $167,000 |
| SAWYER | $314,827 | $403,125 | $487,250 | $605,525 | $120,000 |
| SHAWANO | $314,827 | $403,125 | $487,250 | $605,525 | $123,000 |
| SHEBOYGAN | $314,827 | $403,125 | $487,250 | $605,525 | $148,000 |
| ST. CROIX | $366,850 | $469,600 | $567,650 | $705,500 | $319,000 |
| TAYLOR | $314,827 | $403,125 | $487,250 | $605,525 | $88,000 |
| TREMPEALEAU | $314,827 | $403,125 | $487,250 | $605,525 | $119,000 |
| VERNON | $314,827 | $403,125 | $487,250 | $605,525 | $113,000 |
| VILAS | $314,827 | $403,125 | $487,250 | $605,525 | $145,000 |
| WALWORTH | $314,827 | $403,125 | $487,250 | $605,525 | $175,000 |
| WASHBURN | $314,827 | $403,125 | $487,250 | $605,525 | $110,000 |
| WASHINGTON | $327,750 | $419,550 | $507,150 | $630,300 | $285,000 |
| WAUKESHA | $327,750 | $419,550 | $507,150 | $630,300 | $285,000 |
| WAUPACA | $314,827 | $403,125 | $487,250 | $605,525 | $106,000 |
| WAUSHARA | $314,827 | $403,125 | $487,250 | $605,525 | $115,000 |
| WINNEBAGO | $314,827 | $403,125 | $487,250 | $605,525 | $142,000 |
| WOOD | $314,827 | $403,125 | $487,250 | $605,525 | $102,000 |
How are FHA loan limits set?
FHA loan limits are set by the federal government using median home prices in areas across the country to determine how large (or small) a loan the FHA will back. In places considered “low-cost” by the FHA, the top limit for loans is equal to 65% of the amount Fannie Mae and Freddie Mac will fund for a mortgage on a one-unit property. In places deemed “high-cost,” buyers could be eligible for as much as 150% of what the federal loan programs will allow.
The low-cost area maximum is $314,827 in 2019, and that’s the highest amount applicable for most of Wisconsin this year. Just 11 areas, Columbia, Dane, Green, Iowa, Milwaukee, Pierce, Ozaukee, St. Croix, Washington, Waukesha and Kenosha counties, have higher loan limits, although they all still fall below the maximum for high-cost areas, which tops out nationally at $726,525.
Here are the 2019 standard FHA limits for homes in the U.S.:
- One-unit: $314,827
- Two-unit: $403,125
- Three-unit: $487,250
- Four-unit: $605,525
Here are the 2019 standard FHA limits for homes in high-cost areas in the U.S.:
- One-unit: $726,525
- Two-unit: $930,300
- Three-unit: $1,124,475
- Four-unit: $1,397,400
Do you qualify for an FHA loan in Wisconsin?
FHA loans offer a number of benefits, from lower down payments and interest rates to help for folks with less-than-stellar credit. But not everyone qualifies for one of these home financing options, so do your homework before you buy! To start, check to see if your income and credit score might qualify you for an FHA loan.
